Personal loans in Guthrie, KY

Census figures put the 2020-to-2023 increase in Guthrie at about 0.3%. Guthrie is home to roughly 1,335 people and stands 181st by size out of 416 Census places in Kentucky. Two households in Guthrie with comparable incomes can still be offered different rates; the city's 1,335 residents are not the reason. Judge Guthrie offers on total cost, not on how quickly the money arrives. Which products a lender may offer to Guthrie's 1,335 residents follows from the Kentucky consumer-lending framework. The closest larger place is Clarksville, TN about 12 miles away.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

What the Census records for Guthrie

Only a few things actually differ by place — population, area, location, and the Kentucky rules a lender must follow — and they are below.

Kentucky rules behind a Guthrie personal loan

For the roughly 1,335 residents of Guthrie, the rules below are Kentucky's own; each row carries its publisher and retrieval date.

RuleDetailSource
State lending regulatorKentucky Department of Financial Institutions (DFI)
Source says: "The Department of Financial Institutions' mission is to serve Kentucky residents by promoting access to a stable financial industry, implementing effective and efficient regulatory oversight".
Kentucky Department of Financial Institutions
as of 2026-09-16
Consumer Loan Company license — statutory basisLicense required from the commissioner to make loans at a greater rate of interest than otherwise permitted by law
Source says: "No person shall, without first obtaining a license from the commissioner, engage in the business of making loans ... at a greater rate of interest".
Kentucky Legislative Research Commission (Kentucky Revised Statutes)
as of 2026-09-16
Maximum legal interest rate (usury cap)Up to 19% per annum, or 4% over the 90-day commercial-paper discount rate, whichever is less (by written agreement)
Source says: "At a per annum rate not to exceed four percent (4%) in excess of the discount rate on ninety (90) day commercial paper ... or nineteen percent (19%), whichever is less".
Kentucky Legislative Research Commission (Kentucky Revised Statutes)
as of 2026-09-16

How lenders reach Guthrie

Guthrie is moderately settled, with about 569 people per square mile and 41 larger places within 50 miles. Distance to a branch rarely matters for Guthrie's 1,335 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Clarksville, TN about 12 miles away.

Guthrie: area, density and distance

Inside Guthrie's boundaries lie about 2.3 square miles of land, with no significant water area recorded. The resulting density is about 569 people per square mile. The state's population centre of gravity, Lexington-Fayette, is roughly 177 miles away. Counting outward 50 miles, 41 larger communities surround Guthrie. By land area it ranks 148th of 416 Kentucky places.

What a Guthrie borrower is actually offered

A Guthrie personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,335 residents. Two numbers drive a Guthrie loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Guthrie loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Where Guthrie sits in Kentucky

Within Kentucky, Guthrie holds roughly 0.1% of all residents, the 181st-largest share among 416 places. For population change between 2020 and 2023, Guthrie ranks 153rd of 416 in Kentucky (about the 63th percentile). At about 569 people per square mile, Guthrie is the 322nd most densely settled place in Kentucky. In land area, Guthrie ranks 148th among Kentucky's 416 places.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Guthrie if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Guthrie is the same as anywhere in Kentucky.
What loan size can I expect in Guthrie?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Guthrie?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Guthrie cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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